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24 Jan

How to get the best fixed mortgage in 2022

Catharine BwanaReal Estatefixed, fixed mortgage, fixed rate, mortgage, mortgage products, rate, rate mortgages, repayment term, years

In the last year the mortgage market experienced a remarkable growth and everything seems to indicate that, in the coming months, the trend will continue to be upward. One of the main reasons is the good prices of mortgages, especially fixed-rate mortgages. Major banks are offering mortgage products with very attractive conditions for home buyers. According to the latest data published by the INE, in October 2021 the number of mortgages constituted on homes was 27.9% higher than during the same period of the previous year. A revealing fact that serves as an example of the boom that the buying and selling…

20 Dec

The most important factors when changing mortgages

Catharine BwanaReal Estateconditions, loan, mortgage, mortgage loan, mortgage subrogation, rate, rate mortgage, repayment term, subrogation

Improving your mortgage is possible. There are different ways to achieve this, one of them is mortgage subrogation that is nothing more than changing your bank loan to get better conditions. Would you like to reduce quota, interest rate or repayment term? We tell you how to do it. Subrogation: What would you like to change about your mortgage? Subrogation is changing the mortgage loan of your financial institution to another that offers you better conditions that involve savings. Subrogating a mortgage does not mean taking out a new mortgage loan with new conditions. Surrogacy involves maintaining the same funding but…

28 Sep

What should I look for to know if they offer me a good mortgage?

Catharine BwanaReal Estatebank, credit, economic profile, maximum percentage, mortgage, percentage, rate, rate mortgages, variable rate

Buying a home is a very important step for anyone. It may be easy for us to give it but everything gets complicated when we apply for financing. Will the mortgage they offer me be the most suitable for me? In Creditoh! we give you some keys to know if the credit they offer you is the one that best suits your circumstances. From interest rates to commissions: the most important keys to your mortgage Finding an interesting offer in the Spanish mortgage market is not an easy task, especially if you do not first go to the services of a real…

08 Apr

3 Tips to apply for your mortgage and be told yes

Catharine BwanaReal Estatehome, mortgage, mortgage loan, offers, rate, term

Many have been the Spaniards who after the end of confinement have reactivated the plans they had to acquire a home. On the other hand, staying at home longer than usual has highlighted the shortcomings of many properties that were not prepared to house all family members for so long. The effects have been manifold. Home renovations, sale of the current property, change of residence or acquisition of a property. For all of them in most cases financing is necessary. How to apply for a mortgage loan and be told yes at first? . Focus on these three factors. 1- Current mortgage offer…

15 Jan

TIN and TAE : What should I know?

Catharine BwanaReal Estatebank, bank commissions, financial, information, loan, rate

If you are looking for a mortgage or personal loan, surely TIN and APR will be two concepts that appear frequently in different bank offers, but what is the difference between the two terms? Which of them offers you clearer and more accurate information to make a decision? We tell you all its particularities. TIN or APR What to look for? The first thing we should know is that both are official concepts introduced by the Bank of Spain. The APR is more recent since it emerged in 1990 with the mission of completing the information offered by the TIN. NIR (Nominal…